At a glance
From its website, read 2 Nov 2026Santa Fe Community Housing Trust is a loan fund based in Santa Fe, New Mexico. Its website describes home mortgages. Stated loan amounts run up to $50,000. Where it lends: Santa Fe and Los Alamos area. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (505) 989-3960 source |
|---|---|
| info@housingtrustonline.org source | |
| Website | www.housingtrustonline.org |
| Office (official list) | 6005 Jaguar Drive, STE 101, Santa Fe, NM 87507 |
What their website says about applying
Download your application for Los Alamos
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Income limit applies
helps income-qualified households achieve homeownership
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jul 2026 |
| RSSD ID | — (none listed) |
| Address | 6005 Jaguar Drive, STE 101, Santa Fe, NM 87507 Directions (Google Maps) |
| Website | www.housingtrustonline.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Home Renewal Program terms and loan details were not stated on the pages fetched; the Los Alamos application is a download, not an online application. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | up to $50,000 | through our own loans, generally distributed at a level of up to $50,000. | source |
Loan sizes
through our own loans, generally distributed at a level of up to $50,000.
source
Range used for the size filter: not stated to $50,000
Service area
Santa Fe and Los Alamos area
Serving Santa Fe and Los Alamos
source
Counties this matches: Los Alamos County, NM, Santa Fe County, NM
Borrower focus
- Low- and moderate-income / underserved
helps low-to-moderate income residents gain access to capital, economic literacy and affordable housing
source - Veterans
Our policy prioritizes veterans, first responders, special needs households, larger families, those affected by domestic abuse, and lower-income applicants.
source
Languages
- Spanish
Creemos que el camino hacia la propiedad de una vivienda debe ser tan acogedor como la casa que desea comprar.
source
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.housingtrustonline.org/
- https://www.housingtrustonline.org/about-5-1
- https://www.housingtrustonline.org/about-1-1
- https://www.housingtrustonline.org/copy-of-home
- https://www.housingtrustonline.org/copy-of-homebuyer-training-videos
- https://www.housingtrustonline.org/copy-of-our-services
- https://www.housingtrustonline.org/copy-of-meet-our-staff-1
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Is there a minimum loan amount?
Their website gives a maximum ($50,000) but no minimum. - What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3.7 million in 5 awards from the U.S. Treasury's CDFI Fund, 2003–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $808,101 |
| 2021 | CDFI Rapid Response Program | $732,900 |
| 2018 | CDFI Program, Financial Assistance | $700,000 |
| 2014 | CDFI Program, Financial Assistance | $1,000,000 |
| 2003 | CDFI Program, Financial Assistance | $500,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $48.4M |
|---|---|
| Total liabilities | $11.9M |
| Net assets | $36.5M |
| Total revenue | $2.8M |
| Notes and loans receivable, net (Part X line 7) | $29.1M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 85-0392520, filed as “SANTA FE COMMUNITY HOUSING TR”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Dec 2021 (990) | $45.5M | $33.6M | $6.5M | $14.4M |
| Dec 2022 (990) | $46M | $34.8M | $3.6M | $27.9M |
| Dec 2023 (990) | $48.4M | $36.5M | $2.8M | $29.1M |
Total assets grew 6% from Dec 2021 to Dec 2023; notes and loans receivable rose 102%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $50,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 7% of these 184. |
| Total assets, latest IRS Form 990 | $48.4M | Larger than 75% of the 8 other certified loan funds and venture funds in New Mexico with a matched Form 990 (median $20.5M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 7% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in New Mexico | 8 | larger than 75% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Santa Fe and New Mexico
- Guadalupe Credit UnionCredit union · Santa Fe, NMHome mortgages, Small-business loansVerified
- Homewise, Inc.Loan fund · Santa Fe, NMCommercial real estate loans, Home mortgagesVerified
- Northern New Mexico School Employees Federal Credit UnionCredit union · Santa Fe, NMAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- DreamSpringLoan fund · Albuquerque, NMCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- First Financial Credit UnionCredit union · Albuquerque, NMAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Native Community CapitalLoan fund · Laguna, NM · Native CDFIAffordable housing development loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
Work at Santa Fe Community Housing Trust? Link to this page
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